You may lose money
As the Octopus AIM Inheritance Tax ISA targets long-term growth from a portfolio of AIM-listed shares, it has a correspondingly higher level of risk. The growth in value of your investment depends on the performance of the companies in your portfolio. We do not offer any guarantees about the growth you will achieve, and it’s important to understand that the value of your investments can go down as well as up, so you may not get back the full amount invested.
On a day-to-day basis, the value of AIM-listed companies can fall or rise more sharply than shares in larger companies listed on the main market of the London Stock Exchange.
Past performance is no guide to the future
The past performance of an investment is not a reliable indicator of future results. Nor should you rely on any forecasts made about future returns.
The investment may be difficult to sell
The shares of AIM companies tend to be harder to sell than the shares of large companies, such as BP or Vodafone. This means that if you ask us to sell shares, we may not be able to sell them immediately and you may have to accept a price that is less than the real value of the companies.
Tax rules can change
Rates of tax, tax benefits and tax allowances are based on current legislation, interpretation based on case law and HMRC practice. We can’t guarantee that the tax rules won’t change in the future. Also, the value of tax reliefs depend on your own personal circumstances.
BPR is assessed on a case-by-case basis
We cannot guarantee that the investments we make will qualify for BPR in every case in the future. HMRC will only conduct a BPR assessment after the death of an investor, to confirm whether the companies invested in qualify for BPR at that time. If you borrow money to invest in the Octopus AIM Inheritance Tax ISA, the investment is unlikely to qualify for relief from inheritance tax.